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  5. Orchard Grove Rd

4516 Orchard Grove Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4516 Orchard Grove Rd, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2018
Square Footage1,894 sqft Heated Area
Lot Size16,553 sqft (0.38 acres)
OccupancyOwner Occupied
Last Sale$262,653 (2018)
Tax Bill$5,608.00 (2025)

Property Details

APN / Parcel Number

Primary APN192631016000017090

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,894 sqft Heated Area
Gross Area2,718 sqft Gross Area
1st Floor1,894 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area16,553 sqft (0.38 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area694 sqft Garage
FenceFence
PorchOpen Porch
Porch Area30 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4516 ORCHARD GROVE RD
CitySAINT CLOUD
StateFL
Zip34772-8962
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 7 PB 25 PG 126 LOT 709
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase7
Legal Tract160
Legal Lot Number709
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 192631016000017090

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address4516 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Feb 03, 2022Deed of Trust, Mortgage · Conventional Mortgage
FREEDOM MORTGAGE CORP
Sep 08, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
FREEDOM MORTGAGE CORP
Mar 09, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
FREEDOM MORTGAGE CORP
May 22, 2018Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage
KBHS HM LNS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 22, 2018 · Amount on Record
Deed SaleMay 22, 2018 · Amount on Record
Deed Doc Number2018080778
Deed Book / Page5338 / 1073
Record RefreshedJun 08, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4516 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Transaction TypeMortgage
Record UpdatedFeb 16, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4516 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962

Mortgage

Document Number0061422552
DateFeb 03, 2022
Book Page6142/2552
Instrument2022018334
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2052

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4516 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057882502
DateSep 08, 2020
Book Page5788/2502
Instrument2020118831
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term335 Months
DueAug 01, 2048

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4516 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056881607
DateMar 09, 2020
Book Page5688/1607
Instrument2020033983
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term341 Months
DueAug 01, 2048

May 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 22, 2018
Property Address4516 ORCHARD GROVE RD, SAINT CLOUD, FL 34772-8962
Document Number0053381073
Book / Page005338 / 001073
Instrument DateMay 18, 2018
Instrument80778
Transaction TypeTransfer
Record UpdatedJun 19, 2018
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,838.57
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address4516 ORCHARD GROVE RD ST CLOUD FL 347728962, ST CLOUD, FL 34772-8962

Mortgage

Document Number53381075
DateMay 22, 2018
Book Page005338/001075
Instrument80779
Lender
NameKBHS HM LNS LLC
AddressIRVING, TX 75063
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMay 21, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$5,608.00 (+8.35%) Homeowner's exemption$249,304 (+5.99%)$345,200 (-0.92%) Land $70,000 Building $275,200
2023$5,176.00 (+5.72%) Homeowner's exemption$235,222 (+7.15%)$348,400 (+19.15%) Land $60,000 Building $288,400
2022$4,896.00 Homeowner's exemption$219,536$292,400 Land $55,000 Building $237,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 64% of the US · above 40% of Florida
Wildfire LikelihoodAbout 1 in 366 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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